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Ensuring a smooth intergenerational transfer
Life is uncertain, and one is always worried about leaving behind enough to ensure financial security for the family in case he or she is not around to take care of them. Apart from ensuring that one...
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A low P/E does not mean that the share is cheap
Mr. Chaturvedi is a businessman and also takes keen interest in the stock markets. He has a varied portfolio of stocks which he tracks in his free time. He gets most of the investment tips by...
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New share allotment process for IPOs
This month will see quite a few IPOs hitting the market. CARE Ltd (7-11 Dec), PC Jeweller Ltd(10-12 Dec), Bharti Infratel Ltd(11-14 Dec). IPOs are very popular among retail investors, a majority of...
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Your credit score- meaning and importance
Back in the 1960s, 1970s and even the 1980s, people lived a credit free life. There were no credit cards, no vehicle loans (not many owned cars anyway!) and no home loans – the business class and the...
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How to maintain a good credit history
Now that we know how important it is to have a good credit score when you apply for a loan ( read previous post “ Your credit score- meaning and importance), let us see what we can do to maintain a...
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Are women better money managers?
The title may seem a bit feminist, especially with the international women’s day being celebrated today. Actually that is what spurred my thinking today on these lines . For many years now, men...
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Some useful finance websites
Planning to take a loan, invest in stocks or mutual funds, trade online, buy insurance, file returns, apply for PAN or KYC and want to know more details on how to go about it? Technological advancement...
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Difference between RGESS and ELSS
Budget 2012 introduced RGESS ( Rajiv Gandhi Equity Saving Scheme ), a scheme which allows tax rebate/tax deduction for investment in specified equity schemes. Since there already exists another...
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Dealing with a salary cut
“Air India employees face salary cut from April 2013” “Infosys recasts staffers’ salary structure, cuts variable” “Cadburys India cuts the pay of its managing director and other senior...
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Taking a “calculated risk” on your investment
“Is there any place I can invest and get a minimum fixed 12 % return per annum?” As a financial planner, I often get such queries from people – friends/acquaintances/clients. There are others who...
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Managing your share portfolio efficiently
Over the last 10 years, I have been investing in the stock markets. I have been buying on dips in the index with the purchases being based on stock recommendations by experts in news channels and...
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Dealing with Illiquid stocks in your portfolio
Continuing on the topic of efficient management of one’s share portfolio (see prev. post http://srirakshafp.com/2013/08/20/managing-your-share-portfolio-efficiently/), how does one deal with illiquid...
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Being asset rich and cash poor
A state of being asset rich and cash poor is one in which the person almost has his or her entire net worth in the form of assets – real estate, family businesses or paper assets like shares and...
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Swiss banks to reveal account holders’ details
The Swiss banks, for a long time, have been accused of aiding black money transactions and being a popular and safe place for people to park illicit funds and thus avoid paying taxes. This was mainly...
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No frills demat a/c-who should opt for it
Last year, SEBI introduced the “no-frills” demat a/c, also known as BSDA-Basic services demat account. This was a result of the concerns and suggestions by the small time investors who had been paying...
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Lessons to be learnt from the NTPC fall
NTPC, a public sector company and the country’s largest power utility saw its investors losing around Rs. 14000 crores in a day a couple of days back, as its share price fell by a steep 11.26 % during...
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How the impending Fed taper could affect your investments
The whole world is waiting with bated breath for the Federal Reserve (Fed) to announce its next move today […]
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Avoiding money conflicts in your relationships
“ Money may not buy love, but fighting about it will bankrupt your relationship” This is a quote from an unknown author, but very apt in the current scenario. Disagreements with spouses and partners...
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Why it is important to read the fine print
We live in an era where almost every product is sold using aggressive marketing techniques. Most products in the finance domain- credit cards, loans, bank account, real estate are advertised using...
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Have the tax incentives made the NPS attractive for investment?
The National Pension Scheme or NPS which was launched on 1 May 2009 was a major move by the government to convert the pension system from a defined benefit scheme to a more flexible defined...
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